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First Financial Credit Union Visa® Gold Preferred Card

By the Best Credit Cards Guide editorial team · Information from the original card page, updated May 28, 2025

Annual fee
None
Recommended credit
Good / Fair
Card network
Visa
Regular purchase APR
6.90% to 19.90% based on creditworthiness
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Check before you apply: the rates, fees and offers on this page are as listed on the original card page (updated May 28, 2025) and may have changed. Confirm current terms on the issuer’s website. Best Credit Cards Guide may be compensated by some issuers; see our Advertiser Disclosure.

At a glance

The First Financial Credit Union Visa® Gold Preferred Card is this the more basic of the two credit card options that this financial institution offers. Its major perks include no annual fee and a low introductory APR for balance transfers. Cardholders can also take advantage of low interest rates for purchases and no fees for foreign transactions. Keep reading to learn more about the details of this credit card.

Our review of the First Financial Credit Union Visa® Gold Preferred Card

Are you looking for a credit card with no annual fee and a low interest rate? Look no further than the Visa Preferred Gold card from First Financial Credit Union. This card is perfect for those who don’t need a rewards program and want to save money on fees and interest rates.

No Fees, More Money

With the Visa Gold Preferred Credit Card, you can enjoy the benefit of no annual fee. This means more money in your bank account compared to other credit cards. Additionally, you can travel without worrying about foreign transaction fees, as First Financial Credit Union does not charge them to its members.

Wallet-Friendly Interest Rates

First Financial Credit Union, being member-owned, offers lower interest rates than many big-name banks. Depending on your credit history, you could qualify for an APR that is 10 percentage points lower than the national average. Even the highest APR is only slightly higher than the national average, making it a budget-friendly option for those with good credit.

Balance Transfer Savings

The Visa Gold Preferred card also offers a special APR on balance transfers, which is almost four percentage points lower than the regular APR. This promotional rate is valid for six months, giving you time to pay off transferred balances without accruing the regular interest rate.

Not only that, but you can transfer balances whenever you want, unlike other credit cards with limited transfer windows. Plus, you can take advantage of this low interest rate for as long as you have your credit card account with First Financial Credit Union.

Is the Preferred Visa® Gold Card Right for You?

This card is exclusively available to First Financial Credit Union members in New Mexico. If you meet the eligibility requirements and want a credit card with no annual fee and a potential for a very low APR, this may be the perfect option for you. While you won’t earn rewards points, you’ll benefit from a reliable payment method accepted worldwide without foreign transaction fees.

If you’re considering joining this credit union, the Visa Preferred Gold card is a basic yet beneficial option worth exploring.

Card features

Benefits as listed on the original card page. They can change; confirm details with the issuer.

  • No annual fee
  • Low balance transfer fee
  • No foreign transaction fee
  • Verified by Visa® Protection

Who this card may suit

  • You don’t want to pay an annual fee
  • You want a credit card with a low APR
  • You want an even lower APR when they transfer a balance
  • You don’t want to pay foreign transaction fees

Rates, fees and terms

Rates, fees and terms as listed on the original card page (updated May 28, 2025). Confirm current terms on the issuer’s site.
Annual FeeNone
Regular Purchase APR6.90% to 19.90% based on creditworthiness
Balance Transfer APR6.90% to 19.90% based on creditworthiness
Balance Transfer Transaction FeeEither $5 or 2% of the amount of each balance transfer, whichever is greater
Cash Advance APR6.90% to 19.90% based on creditworthiness
Cash Advance Transaction FeeEither $2 or 2% of the amount of each cash advance, whichever is greater
Penalty APR25%
Late Payment Penalty FeeUp to $25
Return Payment Penalty FeeUp to $25

Confirm before you apply: rates, fees and offers change often. The figures above are the ones listed on the original card page, not a current quote from the issuer. APRs are typically variable, and the rate you receive depends on your creditworthiness. Recommended credit: Good Credit Fair Credit.

Apply Now for First Financial Credit Union Visa® Gold Preferred Card (opens in a new tab)View issuer terms for First Financial Credit Union Visa® Gold Preferred Card (opens in a new tab)

First Financial Credit Union Visa® Gold Preferred Card

Apply Now for First Financial Credit Union Visa® Gold Preferred Card (opens in a new tab)

You will leave this site for the issuer’s page. Confirm current terms there.

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